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B. Voc. - Banking & Financial ServicesSyllabus Structure

First Year: Semester-I

Subj. Code Subject Name No. of Credits Marks

General Components

BFS 101 Communication Skills - I

BFS 102 Information & CommunicationTechnology -I

Skill Components

BFS 103 Indian Financial System

BFS 104 Elements of Banking

BFS 105 Financial Accounting

BFS 106 Internship - I

First Year: Semester-II

Subj. Code Subject Name No. of Credits Marks

General Components

BFS 201 Communication Skills - II

BFS 202 Information & CommunicationTechnology -II

Skill Components

BFS 203 Financial Institutions

BFS 204 Banking & Indian Economy

BFS 205 Personal Finance

BFS 206 Internship - II

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Second Year: Semester –III

Subj. Code Subject Name No. of Credits Marks

General Components

BFS 301 Human Values & Professional Ethics

BFS 302 Office AutomationSkill Components

BFS 303 Financial Markets

BFS 304 Retail Banking

BFS 305 Financial Services –I (Fund)

BFS 306 Internship - III

Second Year: Semester –VI

Subj. Code Subject Name No. of Credits Marks

General Components

BFS 401 Business Economics

BFS 402 Environmental ScienceSkill Components

BFS 403 Investment Management

BFS 404 Principles & Practices of Insurance

BFS 405 Financial Services –II (Fee)

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BFS 406 Internship - IV

Third Year: Semester –V

Subj. Code Subject Name No. of Credits Marks

General Components

BFS 501 Design Thinking

BFS 502 Web TechnologySkill Components

BFS 503 Bank Credit Management

BFS 504 Treasury Management

BFS 505 Bank Marketing

BFS 506 Internship - V

Third Year: Semester –VI

Subj. Code Subject Name No. of Credits Marks

General Components

BFS 601 Project Management

BFS 602 Management & OrganizationalBehavior

Skill Components

BFS 603 Legal & Regulatory Aspects of Banking

BFS 604 E - Banking

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BFS 605 Python Programming

BFS 606 Internship - VI

First Year Semester I

BFS 101:: Communication Skills - I

Unit I: Vocabulary Buildinga. Prefixes and Suffixesb. Conversionc. Compoundingd. Analogy

2. One-Word Substitutes3. Words Often Confused4. Synonyms and Antonyms5. Phrasal Verbs

Unit II: Grammar - 1Types of VerbsSubject-Verb Agreement

Unit III: Grammar - 2Meanings of ModalsTense (Present and Past) and AspectThe Several Possibilities for Denoting Future TimeArticles and Prepositions

Unit IV: Listening SkillsThe Importance of ListeningTypes of ListeningBarriers/Obstacles to Effective ListeningStrategies for Effective Listening

Unit V: Reading SkillsSkimmingScanningIntensive Reading and Extensive ReadingComprehension

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BFS 102:: Information & Communication Technology-I

Unit-I: Basics of Computers :Definition of a Computer - Characteristics and Applicationsof Computers – Block Diagram of a Digital Computer – Classification of Computers basedon size and working – Central Processing Unit – I/O Devices.

Unit-II: Primary, Auxiliary and Cache Memory – Memory Devices. Software, Hardware,Firmware and People ware – Definition and Types of Operating System – Functions of anOperating System – MS-DOS – MS Windows – Desktop, Computer, Documents, Pictures,Music, Videos, Recycle Bin, Task Bar – Control Pane.

Unit-III: MS-Word: Features of MS-Word – MS-Word Window Components – Creating,Editing, Formatting and Printing of Documents – Headers and Footers – Insert/DrawTables, Table Auto format – Page Borders and Shading – Inserting Symbols, Shapes, WordArt, Page Numbers, Equations – Spelling and Grammar – Thesaurus – Mail Merge

Unit-IV: MS-PowerPoint: Features of PowerPoint – Creating a Blank Presentation -Creating a Presentation using a Template - Inserting and Deleting Slides in a Presentation– Adding Clip Art/Pictures -Inserting Other Objects, Audio, Video - Resizing and Scaling ofan Object – Slide Transition – Custom Animation

Unit-V: MS-Excel: Overview of Excel features – Creating a new worksheet, Selecting cells,Entering and editing Text, Numbers, Formulae, Referencing cells – InsertingRows/Columns –Changing column widths and row heights, auto format, changing fontsizes, colors, shading.

Reference Books:

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1. ReemaThareja, Fundamentals of Computers, Oxford University Press, India2. V.Raja Raman, Fundamentals of Computers, Prentice Hall of India.3. John Walkenbach, Herb Tyson, Michael R.Groh and Faithe Wempen, Microsoft

Office 2010 Bible Wiley Publishers

BFS 103:: Indian Financial System

Unit-I: Indian Financial System – An Overview – Nature and role of financial system –Classification - Financial system and economic development.

Unit – II: Capital market- Primary Market – Secondary Market – Functions - Instruments -Recent developments.

Unit-III: Money market– Constituents - Functions - Instruments – Defects - Recentdevelopments.

Unit-IV: Financial Intermediaries and Institutions: SEBI – Objectives & Functions; RBI -Role & Functions; IRDA - objectives and functions.

Unit-V: Financial System and Foreign Investments: Role of Commercial banks - NBFCs -Broking Houses - Insurance companies - Credit rating Agencies in India Impact of ForeignInvestment in India.

Reference Books:1. Bhole L.M., “Financial Institutions and Markets”; 2009, Tata McGraw–Hill, New Delhi.2. Hooda, R.P, “Indian Securities Markets–Investors View Point”; 1998, Excell Books,New Delhi.3. Machiraju, H.R., “Indian Financial System”, 3rd edition (2009), Vikas Publishing House4. Khan, M.Y., “Indian Financial System: Theory and Practices”, 4th edition (2004), TataMcGraw Hill.5. Pathak, B.V. , “Indian Financial System”, Pearson Education

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BFS 104:: Elements of Banking

Unit – I: Bank: Evolution – Functions – Classification – Kinds of deposits – Types ofAccount holders - Reforms.

UNIT – II: Commercial Banks: Meaning, Evolution, Present structure of commercial banksin India , Types, Role, Functions and Services provided by banks.

UNIT – III: Banking and the Economy: Cash reserve ratio, Statutory liquidity ratio, repoand reverse repo, open market operations, security valuation, capital accountconvertibility.

UNIT – IV: Payment and Collection of cheques: Duties and responsibilities of paying andcollecting banker - Protection available to paying and collecting banker under NI Act

UNIT – V: Security Creation & Other Banking Services: Pledge – Hypothecation –Mortgage ; Other Banking Services: Fund based services - Non fund based services.

Reference Books:1. IIBF, “Principles and Practices of Banking”, 2nd Edition, McMillian Publishers.2. Paul and Suresh, “Management of Banking and Financial Services”, 2007, PearsonEducation.3. Sunderam and Varshney, “Banking Theory Law and Practices”, 2004, Sultan Chand andSons.4. Varshney, P.N, “Banking Law and Practice”, 2012, Sultan Chand and Sons

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BFS 105:: Financial Accounting

Unit-I – Introduction to Accounting Need for Accounting – Definition – Objectives, Advantages – Book keeping andAccounting–Accounting concepts and conventions - Accounting Cycle - Classification ofAccounts and its rules - Double Entry System - Journalization - Posting to Ledgers,Balancing of ledger Accounts (problems).

Unit –II: Subsidiary Books: Types of Subsidiary Books - Cash Book, Three-column CashBook- Petty cash Book (Problems).

Unit- III- Bank Reconciliation Statement:Need for bank reconciliation - Reasons for difference between Cash Book and Pass BookBalances- Preparation of Bank Reconciliation Statement- Problems on both favorable andunfavourable balances.

Unit-IV: Trail Balance and Rectification of Errors:Preparation of Trail balance - Errors – Meaning – Types of Errors – Rectification of Errors(Problems)

Unit -V: Final Accounts: Preparation of Final Accounts: Trading account – Profit and Loss account – Balance Sheet –Final Accounts with adjustments (Problems).

Reference Books:

1. T.S.Reddy & A. Murthy, Financial Accounting , Margham Publications

2. R L Gupta & V. K Gupta, Principles and Practice of Accounting, Sultan Chand & Sons

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3. S.P. Jain & K.L Narang, Accountancy-I, Kalyani Publishers

4. Tulasian, Accountancy -I, Tata McGraw Hill Co.

5. V.K.Goyal, Financial Accounting, Excel Books

6. K. Arunjyothi, Fundamentals of Accounting; Maruthi Publications

First Year Semester - II

BFS 201: Communication Skills - II

Unit I: Pronunciation-1The Sounds of English

Unit II: Pronunciation–21. Word Accent2. Intonation

Unit III: Speaking Skills-11. Conversation Skills2. Interview Skills3. Presentation Skills4. Public Speaking

Unit IV: Speaking Skills-21. Role Play2. Debate3. Group Discussion

Unit V: Writing Skills1. Spelling2. Punctuation3. Information Transfer

Tables

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Bar Diagrams Line Graphs Pie Diagrams Flow Charts Tree Diagrams Pictures

BFS 202: Information & Communication Technology–2

Unit-I:Fundamentals of Internet : Networking Concepts, Data Communication – Types ofNetworking, Internet and its Services, Internet Addressing – Internet Applications –Computer Viruses and its types – Browser –Types of Browsers.

Unit-II: Internet Applications: Using Internet Explorer - Standard Internet ExplorerButtons - Entering a Web Site Address - Searching the Internet – Introduction to SocialNetworking: Twitter – Tumblr – Linkedin – Facebook – Flickr – Skype – Yelp – Vimeo -Yahoo!, Google+, Youtube – WhatsApp.

Unit-III: E-Mail :Definition of E-mail - Advantages and Disadvantages – User IDs –Passwords - Email Addresses - Domain Names – Mailers - Message Components - MessageComposition - Mail Management - Email Inner Workings.

Unit IV: WWW- Web Applications - Web Terminologies - Web Browsers - URL –Components of URL - Searching WWW – Search Engines and Examples.

Unit-V: Basic HTML: Web Terminology – Structure of a HTML Document – HTML, Head

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and Body tags – Semantic and Syntactic Tags – HR, Heading, Font, Image and Anchor Tags–Different types of Lists using tags – Table Tags - Image formats – Creation of simpleHTML Documents.

Reference Books:

1. Raymond Green Law and Ellen Hepp, Fundamentals of the Internet and the World WideWeb, TMH Publishers.

2. Information and Communication Technologies by van Weert, Tom J., Tatnall, Arthur(Eds.)

BFS 203: Financial Institutions

UNIT – I: Introduction to Financial Institutions: Economic Growth through FinancialInstitutions-Types of Financial Institutions- Overview of Indian Banking System - RecentTrends.

UNIT – II:Central Banking System: Central Banking Theory- Reserve Bank of India- AssetLiability Management in Banks

UNIT – III: Management of Commercial Banks in India: Commercial Banking in India -Banking Sector Reforms - Liquidity Management of Commercial Banks - Profitability andManagement of NPA in Banks.

UNIT – IV: Banking Technology: Essentials of Bank Computerization - Data Communication

- Networking - Electronic Funds Transfer

UNIT – V: Understanding New Trends: Future prospects in banking industry – Mergers &

Acquisitions in Banking Sector – Recent Cases.

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Reference Books:1. Management of Indian Financial Insititutions By R.M.Srivastava & Divya Nigam

(HPH)2. Management of Banking & Finacial Services By Justin Paul & P.Suresh (Pearson Ed.)3. Financial Institutions and Markets: Meir Kohn (Tata Mc.Graw Hill)

BFS 204: Banking & Indian Economy

Unit – I: Bank: Evolution – Functions – Classification – Kinds of deposits – Types ofAccount Holders - Reforms.

UNIT – II : Commercial Banks: Meaning and Evolution- Types - Role - Functions andServices provided by banks- Present structure of commercial banks in India .

UNIT – III : Banking and the Economy: Cash reserve ratio - Statutory liquidity ratio -Repo and reverse repo - Open market operations, Security valuation - Capital accountconvertibility.

Unit – IV: Indian Economy: India as a Developing Economy - Salient Features of theIndian Economy – Causes of Underdevelopment.

Unit – V : Contemporary Issues of the Indian Economy : Complementary Roles ofAgriculture & Industry - Urbanization - Growth of Service Sector; Parallel Economy inIndia: Concept of Black Money – Estimates – Sources – Impacts – Measures to Tackle BlackMoney.

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Reference Books:1. Datt and Sundharam: Indian Economy (S. Chand, Latest Edition) 2. Misra and Puri: Indian Economy (Himalaya Publishing House, Latest Edition)

BFS 205: Personal Finance

Unit-1: Investment: Assessment of Income –Objectives of Investment–Factorsaffecting selection of investment–Time value of money –Future value of investmentand annuity –Present value of cash flows and outflows.

Unit-II: Investment Alternatives: Real Estate- Gold-Shares-Bonds-Govt.Securities-Insurance Policies-Mutual Funds-Post Office Saving Schemes-Public ProvidentFund, etc.

Unit-III: Security Valuation: Concepts of Return and Risk–Systematic and Nonsystematicrisk-Risk-return tradeoff –Equity valuation.

Unit-IV: Bond Valuation: Bond return and valuation – Yield to maturity – Bond valuetheorem.

Unit-V: Personal Finance Planning: Objectives – Process – Implementation andImplications.

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Reference Books:

1. Punithavathy Pandian, Security Analysis & Portfolio Management, Vikas Publishers,

New Delhi.

2. Yassaswy, Personal and Tax Planning, Vision Books, New Delhi.

3. A.N. Shanbag, In the Wonderland of Investment, Popular Prakashan, Bombay.

4. V.N.S.Raman, Investment Principles and Techniques,Vikas Publishing House, NewDelhi.

5. Ankit Gala & Khushboo Gala, Investment Planning, Buzzing Stock Publishing.

Second Year Semester - III

BFS 301: Human Values and Professional Ethics

Unit-I : Introduction to Value Education: Value Education, Definition, Concept and Needfor Value Education, The Content and Process of Value Education, Self-Exploration as ameans of Value Education, Happiness and Prosperity as parts of Value Education.

Unit-II : Harmony in the Human Being: Human Being is more than just the Body,Harmony of the Self (‘I’) with the Body, Understanding Myself as Co-existence of the Selfand the Body, Understanding Needs of the Self and the Needs of the Body.

Unit-III : Harmony in the Family and Society and Harmony in the Nature, Family as a basicunit of Human Interaction and Values in Relationships, The Basics for respect and today’sCrisis : Affection, Care, Guidance, Reverence, Glory, Gratitude and Love, Comprehensive Human Goal : The Five dimensions of Human Endeavour

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Unit-IV : Social Ethics: The Basics for Ethical Human conduct, Defects in Ethical HumanConduct, Holistic Alternative and Universal order, Universal Human Order and EthicalConduct.

Unit-V : Professional Ethics: Value Based Life and Profession, Professional Ethics andRight Understanding, Competence in Professional Ethics, Issues in Professional Ethics –The Current scenario, Vision for Holistic Technologies, Production System andManagement Models

Reference Books:

1. A.N.Tripaty, Human Values, New Age International Publishers, 20032. Bajpai.B.L., Indian Ethos and Modern Management, New Royal Book Co., Lucknow,

20043. Bertrand Russell, Human Society in Ethics and Politics4. Corliss Lamont, Philosophy of Humanism5. Gaur.R.R., Sangal.R, Bagaria.G.P., A Foundation Course in Value Education, Excel

Books.

BFS 302:: Office Automation

Unit-I: Office: Features of Modern Office - Environment of an Office - Layout Planning -Interior, Security of the Office, Knowledge of Stationery Items and Maintenance.

Unit-II: Functions of Office: Office Manager - Duties and Responsibilities - OfficeManagement - Scientific Office Management - Work Simplification - Time Schedules -Setting priorities.

Unit-III: Office Systems: Office procedures - Guides and Common charts of Office work

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simplification - Planning for improving office procedures.

Unit-IV: Forms Design, Control: Types of Forms - Design of Forms - Reproduction ofForms - Office Reproduction Services - Reproduction processes - Control of officereproduction service.

Unit-V: MS-Excel: Worksheet – Workbook – Templates - Entering data – Formatting & Headers –Footers - Data analysis – Charts – Names – Filters – Sort - Validation lists –Function - Macros.

Reference Books:1. James, A.F. Stoner: Management, Englewood Cliffs, N.J Prentice Hall2. Mahajan, J.P.: Fundamentals of Office Management, Ane Books Pvt. Ltd. 3. Bhatia, R.C. Principles of Office Management, Lotus Press, New Delhi.

BFS 303::Financial Markets

Unit-I: Financial Markets: Concept – functions - organization and structure.

Unit-II: Indian money market: overview – structure - defects – Recent trends - Role ofIndian money market in Economic Development.

Unit-III: Money Market Instruments: Various Intermediaries and their Role –Instruments - Influence of Monetary policy on Money Markets.

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UNIT – IV: Capital Market: Evolution and growth of Capital Market - Constituents - MajorIssues In capital Market - Capital Market Instruments.

UNIT – V: Regulation in Capital Market: SEBI functions and Working - SEBI Guidelines forPrimary Market - Regulation of Capital Market in India.

Reference Books: 1. Bhole L.M., “Financial Institutions and Markets”; 2009, Tata McGraw-Hill, New Delhi. 2. Hooda, R.P, “Indian Securities Markets- Investors View Point” ; 1998, Excell Books, NewDelhi. 3. Mechiraju, H.R., “Indian Financial System”, 3rd edition (2009), Vikas Publishing House 4. Khan, M.Y., “Indian Financial System: Theory and Practices”, 4th edition (2004), TataMcGraw Hill. 5. Pathak, B.V. , “Indian Financial System”, Pearson Education

BFS 304:: Retail Banking

Unit-I: Introduction to Retail Banking: Genesis of Retail Banking - Applicability of retailbanking – Concepts - Distinction between Retail and corporate / Wholesale Banking.

Unit-II: Retail Products: Customer Requirement - Product Development Process - CreditScoring- Retail Asset Products - Credit and debit Cards.

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Unit-III: Marketing in Retail Banking: Concepts - Delivery Channels in Retailing - DeliveryModels - Customer Relationship Management in Retail Banking

Unit-IV: Issues Related to Retail Banking Services: Standards for Retail Banking Technologyin Retail Banking - Recovery of Retail Loans - Securitization and other Issues in RetailBanking.

Unit-V: Retail Banking Strategies: Strategies - Selling Process in retail products-Direct SellingAgents - Customer Relationship Management - Technology for Retail Banking - Accountingentries - Loan process and the relevant accounting including EMI Computation.

Reference books:

1) Marketing management by Philip Kotler 2) Fundamentals of Marketing by Stanton, Etzel & Walker 3) Case studies in Marketing by Dr Srinivasan

BFS 305:: Financial Services – I

Unit - I

Introduction to Financial Services: Meaning of service – Features – Functions - Productselling Vs Services Selling – Classification - Present situation in Indian Economy.

Unit - II

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Fund Based Financial Services: Concept – Leasing – Hire Purchase – Bill Discounting –Venture Capital – Housing finance – Insurance service – Factoring – Forfeiting – Mutualfunds.

Unit – IIILeasing & Hire Purchase: Concept – Features – Parties – Methods; Hire Purchase:Meaning – Characteristics – Parties – Leasing Vs. Hire Purchase.

Unit – IVVenture Capital: Meaning – Features – Methods of venture capital financing - VentureCapital Regulations.

Unit – VMutual Funds: Meaning, Role and Functions of mutual funds - Types of Mutual Funds - Keydevelopments over the years.

Reference Books:

1. Pathak, B.V. , “Indian Financial System”, Pearson Education2. Vasanat Desai – Financial Markets and Financial Services (Himalaya Publishing

House) 3. Tripaty Nalini Prava – Financial Services (Prentice Hall)

Second Year Semester IV

BFS 401 ::Business Economics

Unit-1

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Introduction: Meaning and Definitions of Business Economics - Nature and scope of Businessconomics- Micro and Macro Economics and their differences.

UNIT-2: Demand and Supply Analysis: Meaning - Law of Demand - Demand Schedule-DemandFunction - Determinants and Distinctions - Demand Estimation - Methods of forecasting forExisting and New Products - Criteria for a Good Forecasting Method; Meaning and Law ofSupply - Determinants of Supply.

UNIT-3: Cost and Production Analysis: Cost Concepts - Cost Output Relationship in Short run andLong run - Cost Control and Reduction; Meaning of Production - Production Function - Laws ofProduction - Production Function with One, Two and All Variables Input Factors - CobbDouglas Production Function

UNIT-4: Profit Analysis: Nature of Profit - Kinds of Profit - Theories of Profit - Managerial uses of CostVolume Profit Analysis - Profit Planning and Forecasting; Competition - Types of Competition:Perfect Competition - Imperfect Competition;

Unit – 5: Price Analysis: Pricing - Concept - Pricing Polices and Strategies - Pricing Methods - ProductLine Pricing - Transfer Pricing - Pricing by Retailers - Export Pricing - Dual Pricing-Administered Pricing - Price Forecasting

Reference Books

1. S.Sankaran, Business Economics, Margham Publications, Chennai.2. Business Economics - Kalyani Publications.3. Business Economics – Himalaya Publishing House.4. Aryasri and Murthy Business Economics , Tata McGraw Hill.

BFS 402:: Environmental Science

Unit-I: Natural Resources: Definition, Scope and importance. Need for publicawareness. Brief description of; Forest recourses: Use and over-exploitation.Deforestation; timber extraction, mining, dams. Effect of deforestation environment and

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tribal people, Water resources: Use and over–utilization. Effects of over utilization ofsurface and ground water. Floods, drought. Mineral resources: Use and exploitation,environmental effects of extracting and using mineral resources. Food resources: Worldfood problems, Effects of modern agriculture; fertilizer- pesticide, salinity problems.Land resources: Land as resources, land degradation, man induced landslides, soilerosion and desertification

Unit-II : Ecosystems, Biodiversity and its conservation: Concept of an ecosystemStructure and function of an ecosystem, Producers, consumers and decomposers,Food chains, food webs and ecological pyramids, Characteristic features of theecosystems:-Forest ecosystem, Desert ecosystem, Aquatic ecosystem, Value ofbiodiversity: Consumptive use, productive use. Biodiversity in India, Endangered andendemic species of India, Conservation of biodiversity

Unit-III : Environmental Pollution: Definition, Causes, effects and control measuresof:- Air pollution, Water pollution, Soil pollution, Noise pollution, Solid wastemanagement; Measures for safe urban and industrial waste disposal, Role of individual inprevention of pollution, Disaster management: Drought, floods and cyclones

Unit-IV: Social Issues and the Environment: From Unsustainable to Sustainabledevelopment, Water conservation, rain water harvesting, watershed management.Climate change, global warming, ozone layer depletion, Environment protection ActWildlife Protection Act, Forest Conservation Act

Unit-V: Human Population and the Environment: Population explosion, impact onenvironment, Family welfare Programme, Environment and human health, Women andChild Welfare, Value Education, Role of Information Technology in Environment andhuman health.

Reference Books:

1. M.Satyanarayana, M.V.R.K.Narasimhacharyulu, G. Rambabu andV.VivekaVardhani, Environmental Studies, Telugu Academy, Hyderabad.

2. R.C.Sharma and Gurbir Sangha, Environmental Studies, Kalyani Publishers.3. Purnima Smarath, Environmental Studies, Kalyani Publishers.

BFS 403:: Investment Management

Unit-I: Investment: Attributes of Investment - Investment and speculation - Features of agood investment - Investment Process - Investment Instruments - Derivatives.

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Unit-II: Securities Market: Primary Market - Issue Management-Pre and Post IssueManagement. Secondary Market- Major Players in the secondary market - Functioning ofStock Exchanges - Leading Stock Exchanges in India.

Unit-III: Risk and Return Concepts: Types of Risk- Systematic risk - Unsystematic risk -Calculation of Risk and returns - Calculation of Risk and Return.

Unit-IV: Valuation of Securities: Bond Valuation - Bond Duration - Equity shares-Valuation - Dividend Valuation models.

Unit-V: Economic and Industry Analysis: Fundamental analysis- Economy, Industry &Company Analysis; Technical Analysis – Theories: Dow Theory - Eliot wave theory; Charts-Types of Charts - Trend and Trend Reversal Patterns; Moving averages – ROC – RSI - Market Indicators.

Reference Books:1. Investment Analysis and Portfolio management – Prasanna Chandra, TMH, 2010.

2. Security Analysis & Portfolio Management – Punithavathy Pandian, Vikas, 2005.

3. Investment Management – Bhalla V. K, S.Chand, 2011.

4. Security Analysis & Portfolio Management – Fisher and Jordan, Pearson, 2011.

BFS 404:: Principles & Practices of Insurance

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Unit-I : Introduction to Insurance: Meaning – nature - Role - Importance of Insurance; Principlesof Insurance: Principle of Indemnity - Principle of Insurable Interest - Principle of Subrogation -Principle of utmost good faith - Proximate cause - contribution.

Unit-II : Life Insurance: Nature – Annuities - Surrender Value - Calculation of Premium andmeasurement of risk.

Unit-III : Standard Fire & Special Perils Policy: Terrorism Cover - Tariff System - SpecialPolicies.

Unit-VI : IRDA Act, 1999: Salient Features - Privatization of insurance industry; Risk: Concept -Types of risk.

Unit-V: INSURANCE DOCUMENTS: Proposal Forms - Policy Forms - Cover Notes - Certificate of Insurance – Endorsements - Other Insurance Document.

Reference Books:

1. Niehaus, Harrington, “Risk Management and Insurance”, 2007, Tata McGraw-Hill.2. Kotreshwar, G., “Risk Management- Insurance and Derivatives”, 2005, HimalayaPublishing House.3. GopalKrishan, G., “Insurance Principles and Practice”, 1994, Sterling Publishers, NewDelhi.4. Gupta, P.K., “Insurance and Risk Management”, 2010, Himalaya Publication.

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BFS 405:: Financial Services-II

Unit – I: Financial Services: Meaning – Classification – Recent Developments – Defects –Reforms.

Unit – II : Fee Based Financial Services: Introduction – Features- Objectives-Types-Merchant Banking – Credit Rating – Strock Broking – Custodial Services – Loansyndication - Securitization.

Unit – III: Stock Broking: Meaning – Registration – Capital Adequacy Norms – Types ofBrokers - Trading – Settlement – SEBI Guidelines.

Unit – IV: Merchant Banking: Introduction to Merchant Banking: Overview – Functions –Role – Problems – Recent Developments.

Unit –V: Credit Rating: Concept – Need – Various Agencies – Merits – De-merits –Regulations.

Reference Books:

1.Hooda, R.P, “Indian Securities Markets- Investors View Point” ; 1998, Excell Books, NewDelhi.2.Mechiraju, H.R., “Indian Financial System”, 3rd edition (2009), Vikas Publishing House3. Khan, M.Y., “Indian Financial System: Theory and Practices”, 4th edition (2004), TataMcGraw Hill.

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Third Year Semester V

BFS 501 : Design Thinking

Unit – 1 : Design Thinking: Origin of Design Thinking – Definition - Features – Process -Application across professions.

Unit – 2 : Design Thinking Methods: Design Thinking Vs. Scientific Method – ProblemFocused Vs. Solution Focused – Analysis Vs. Synthesis – Divergent Thinking Vs.Convergent Thinking .

Unit – 3: Design Thinking Attributes: Principles of Design Thinking – Challenges – AhaMoment – Use of Analogies.

Unit – 4 : Design Thinking Stages / Phases: Empathize stage – Definite stage – Ideatestage – Prototype stage – Test Stage.

Unit – 5 : Design Thinking in Practice: Strategies – IDEO Case – Embrace Baby WarmerCase –Naandi Foundation’s Case - Eric Duncan Case.

Reference Books:

1. Designing Experiences by J. Robert Rossman and Mathew D. Duerden2. Mismatch: How Inclusion Shapes Design by Kat Holmes3. Inclusive Design for a Digital World: Designing with Accessibility in Mind by RegineGilbert4. Writing is Designing: Words and the User Experience by Michael J. Metts and AndyWelfle 5. Microcopy: The Complete Guide by Kinnerest Yifrah

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BFS 502:: Web Technologies

Unit I:HTML: Basic HTML - Document body – Text - Hyper links - adding more formatting– Lists - Tables using images; More HTML: Multimedia objects – Frames - Forms towardsinteractive - HTML document heading detail.

Unit II : Cascading Style Sheets: Introduction - using Styles - simple examples - your ownstyles - properties and values in styles - style sheet - formatting blocks of information -layers.

Unit III : Introduction to JavaScript: DHTML – JavaScript – basics – variables - stringmanipulations - mathematical functions – statements – operators – arrays – functions;Objects in JavaScript: Data and objects in JavaScript - regular expressions - exceptionhandling.

Unit IV : DHTML with JavaScript: Data validation - opening a new window - messagesand confirmations - the status bar - different frames - rollover buttons - moving images.

Unit V :XML: Defining data for web applications - Basic XML - Document type definition -presenting XML - Document object model - Web Services.

Reference Books:1. Harvey M. Deitel and Paul J. Deitel, “Internet & World Wide Web How to Program”,

4/e, Pearson Education.2. Uttam Kumar Roy, Web Technologies from Oxford University Press

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BFS 503:: Bank Credit Management

UNIT – I : Basics in Credit Management: Principles of credit management - Credit appraisaltechniques - Credit monitoring.

UNIT – II : Structuring a Credit Proposal - Working capital concept and management -Appraisal techniques for different constituents - Trade cycle; Documentation: Types ofdocuments - Documentation procedure; Securities: modes of charging - Types of collateral andtheir characteristics.

UNIT – III : Bank Finance for Working Capital: Forms of bank finance- Overdraft - Cashcredit - Purchase or discounting of bills - Letter of credit - Working capital loan - Securityrequired in bank finance - Regulation of bank finance - Guidelines for bank finance.

UNIT – IV : Credit Lending: Term lending - Debt service coverage ratio - Cash budget - Billfinance - Deferred payment Guarantee - Credit scoring - Credit delivery System - Post sanctionsupervision - Consortium finance - Multiple banking - Syndication of loans - Infrastructurefinancing.

UNIT – V : Dealing with credit defaults: Stressed assets - Corporate debt restructuring –SARFAESI – NPAs - Recovery options - Write-off; Defaulters: Objectives and procedure;Appraisal methodology for different type of clients / products.

Reference Books:

1. Basu, Sam N “Strategic Credit Management”, Wiley Publications.2. Bullivant, Glen “Credit Management” Gower Publications.3. Edwards, Burt “Credit Management Handbook” Gower Publications.4. Khan, M.Y. “Financial Services”, Tata McGraw Hill Publications, New Delhi.

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BFS 504::Treasury Management

UNIT – I : Treasury Management in Corporates: Role of Corporate Treasury - Position inCorporate Structure - Structure of Corporate Treasury (Centralized and Decentralized) -Treasury Visions - Strategies and Execution - Ethics in Treasury Management.

UNIT – II : Working Capital, Cash and Liquidity Management: Introduction to workingcapital management (Short term financial ratios) - Business Cycle forecasting - Cash flowforecasting models – policies - procedures & controls & Cash Concentration - Bank Paymentsand collection - Bank Float management and improving

UNIT – III : Capital Structure Decisions and Corporate Finance: Sources of Capital -Comparison between onshore vs. offshore raising of debt - Dividend Policy - Long termresource mobilization - Strategic Investments - Mergers and Acquisitions.

UNIT – IV : Fixed Income Portfolio Management: Macro Economic Factors affecting Bondmarket - Time value of money - interest rate calculations - Bond mathematics & Pricing - YieldCurve – Duration – Convexity -Valuation of fixed income securities.

UNIT – V : Treasury Risk Management: Types of Risk faced by treasuries (Interest Raterisk) - Asset Liability Management - Types of Financial Risk - Types of Non-Financial Risk.

Reference Books:

1. Treasury Management: The Practitioner's Guide, Steven M. Bragg, Wiley.2.Treasury Risk Management, S.K.Bagchi, Jaico Publishing House.3. Corporate Treasury and Cash Management, Cooper.R, Palgrave Macmillan.

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BFS 505::Bank Marketing

UNIT-I: Introduction to Bank Marketing: Meaning - Banking Industry Categories - Cooperative banking structure - Commercial Banking Structure - Nature of Competition Amongstbanks in the country - Know your competitors.

UNIT-II: Marketing strategies for Bank Marketing: Product based strategy - Product lifecycle - Strategy accounting to life cycle stage - Product line - Organizational positioning andmarket positioning.

UNIT-III: Branding to Bank Marketing: Banking industry is unique - Leaders perspectives onbranding - Industry practices in India - Branding the bank - Brand architecture - Brandoperationalisation.

UNIT-IV: Statistics capture growing competition: Differential Strategies for BankMarketing- competitive differentiation - Product differentiation - Price based differentiation -Procedure based differentiation - Cost of differentiation .

UNIT-V: Bank Marketing Trends: Managing relationship with customers - Keep opening newfrontiers - Reconfiguring the branch premises - Business process reengineering - Improvingthe look and feel of branch premises.

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Reference Books:1.Bank Market by Dr. Sudip kar Purkayasthar2. Bank Marketing by Arthur Meiden

Third Year Semester VI

BFS 601 :: Project Management

Unit-I: Introduction: Meaning, Scope and Objectives, Types of Projects, Generation andScreening of Ideas, Generation of Ideas, Monitoring the Environment, PreliminaryScreening - Problems of Project management.

Unit-II: Analysis of Project Proposal: Markets and Demand Analysis, Technical Analysis,Material Input, Manufacturing Process, Technology-Product Mix- Estimation of Sales andProduction.

Unit-III: Project evaluation for Selection:- Methods of evaluation, ROR Net presentvalue method. PERT and CPM techniques, Time estimations, post Project Review.

Unit-IV: Human Aspects of Project Management – Manpower Planning - HumanErgonomics - Estimation - Pre requisites for Successful Project Implementation.

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Unit-V: Closing of the Project: Types of project termination - Termination procedure-Evaluation of Termination possibilities.

Reference Books:

1.Prasanna Chandra, Project–Planning–Analyses, Selection, Implementation and Review.‘Tata Mc Graw Hill Publishing Co.

2. V.A. Avadhani, Indian Capital Market, Himalaya Publishing.

BFS 602 :: Management & Organizational Behavior

Unit – 1: Introduction to Management: Meaning – Importance - Roles andResponsibility of 3 levels of Management- Importance - Functions - Challenges ofManagement.

Unit – 2 : Functions and Communication in Management: Planning, Organizing,Staffing, Directing, Controlling .

Unit – 3 : Organizational Behavior: Definition – Need - Importance – Nature and scope– Focus - Frame work – Organizational behavior models.

Unit – 4 : Personality & Motivation: Types – Factors influencing personality – Theories –Learning – Types of learners – The learning process – Learning theories – MotivationalTheories.

Unit – 5 : Organizational Change & Development: Concept of Change - Levels of Change– Types – Implementing Change – Organizational Development – Concept and Evolution –Interventions.

Reference Books:

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1. Management and Organisational Behaviour (English, Paperback, Dr. S.C. Saksena, Dr.Gaurav Sankalp)2. Organisational Behaviour Stephen P. Robbins, Timothy A. Judge, Neharika Vohra3. Stephen P. Robins, Organizational Behavior, PHI Learning/Pearson Education, 2008.4. Fred Luthans, Organizational Behavior, McGraw Hill, 2001.5. Schermerhorn, Hunt and Osborn, Organizational behavior, John Wiley, 9th Edition,2008.6. UdaiPareek, Understanding Organizational Behaviour, Oxford Higher Education, 2004.

BFS 603 :: Legal & Regulatory Aspects of Banking

Unit – I: Introduction to Indian Banking: Evolution of Banking and its history in India -Bank, Banking and Bank Regulation - Structure and function of Banking Institutions.

Unit – II: RESERVE BANK OF INDIA: Structure - Functions - Organizational Structure ofRBI - Controlling of RBI over Banking and Non-Banking Companies

Unit – III BANKING REGULATION ACT, 1949: Control over Management – Prohibitions –Acquisitions – Suspension – Special Provisions - Powers.

Unit – IV: THE NEGOTIABLE INSTRUMENT ACT, 1881: Promissory Note - Bill ofExchange – Cheque – Drawer – Drawee – Payee – Holder - Holder in due course - InlandInstrument - Foreign Instrument - negotiable Instrument – Negotiation – Endorsement -Inchoate stamped Instruments – Crossing of Cheques.

Unit – V: EMERGING DIMENSIONS IN BANKING SYSTEM: E-commerce - E-banking -Protection of Depositors, Promotion of underprivileged classes, Development work and

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participation in national economy [Narshimam Committee Recommendations onTechnology Updation].

Reference Books:

1. Narasimham Committee report on the Financial System (1991) – Second Report(1999)

2. Information Technology Act, 2000. 3. M.L. Tannan, Tannan’s Banking Law and Practice in India (Eighth Edition-2008),

India Law House, New Delhi,2 volumes Banking Theory and Practice (1998) UBS Publisher Distributors Ltd.New Delhi.

4. Basu, A. Review of Current Banking Theory and Practice (1998) Mac millan 5. M. Hapgood (ed.),Pagets’ Law of Banking (1989) Butterworths, London 6. R. Goode, Commercial Law, (1995) Penguin, London 7. Ross Cranston, Principles of Banking Law (1997) Oxford. 8. L.C. Goyle, The Law of Banking and Bankers (1995) Eastern

BFS 604 :: E-Banking

UNIT –I: Electronic Banking: Traditional Banking Vs E-Banking - Facets of E-Banking -e-Banking transactions - Truncated cheque and Electronic cheque - Models for E-banking -Bank with in Bank Advances of - Constraints in E-Banking.

UNIT –II : Online Banking: concept and meaning - electronic delivery channels- need forcomputerization-Automatic Teller Machine(ATM) at home –Electronic FundTransfer(EFT)-uses of Online Banking – computerization in clearing houses- Tele-banking -Banking on home computers –Electronic Money Transfer - uses of EMT.

UNIT –III : Updating Bank saving accounts –Computer bank branches-FinancialTransaction Terminals- (FTT)- E-Cheque - Magnetic Ink Character Recognition (MICR) andCheques - E-Banking in India – Procedure – Programmes - Components.

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UNIT –IV : E-Banking Security- Need for security –Security concepts-Privacy –Survey -Findings on security-Attack-Cyber crimes; Reasons for Privacy- Tampering; Encryption–Meaning - Encryption process - cryptography.

UNIT –V : E-Builder solutions-Digital certificate-Digital Signature & Electronic Signature-E-Security solutions— solutions providers-E-locking technique- E-locking services-Transaction security - Public Key Infrastructure-(PKI) - Firewalls Secure Ledger-(FSL) -Secure Electronic Transaction(SET)

Reference Books:

1. C.S. Rayudu, E-Business, Himalaya Publishing House2. Roger Hunt& John Shelly, Computers and Commonsense3. Bhushan Dewan, E-Commerce.

BFS 605:: Python Programming

Unit –I : Fundamentals of Python - Introduction to Python - Running Python Programs-Writing Python Code Working with Data - Data Types and Variables - Using NumericVariables - Using String Variables

Unit –II : Input and Output - Printing with Parameters - Getting Input from a User - StringFormatting, Making Decisions - Logical Expressions -The “if” Statement - Logical Operators -More Complex Expressions

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Unit –III : Finding and Fixing Problems - Types of Errors - Troubleshooting Tools - Usingthe Python Debugger, Lists and Loops - Lists and Tuples - List Functions - “For” Loops - “While” Loops

Unit –IV : Numeric and Date Functions - Dates and Times - Advanced Data and Timemanagement - Random Numbers - The Math Library Working with Strings - Character Data - String Functions - Input Validation with “try / except”

Unit –V: Functions - Writing and Calling Functions - Function Inputs and Outputs - Local andGlobal Scope. Python Classes: Thinking about Objects - Class Variables and Methods - Managing Class Files

Reference Books:1. Beginning Programming with Python For Dummies, 2ed by John Paul Mueller2. Learning with Python Paperback – 1 January 2015 by Allen Downey, Jeffrey Elkner,

Chris Meyers3. Python Programming: A Beginner's Guide to Learn Python in 7 Days by Ramsey

Hamilton